Your Trusted Mortgage & Protection Partner
I specialise in mortgages and protection for the self‑employed and for clients with adverse credit. By offering clear, tailored solutions, I help you move toward your dream home with confidence and a smooth, stress‑free experience.
I’m here to guide you at every step of the journey.
Mortgage and Protection Services
Residential Mortgages
Expert advice and competitive rates to help you move or remortgage your property for better terms.
Buy-to-Let Mortgages
Specialist buy-to-let mortgage options for property investors looking to start or expand their rental portfolio effectively.
Protection Solutions
Tailored protection solutions including life, income protection and critical illness for you and all your family
Empowering your home ownership dreams, no matter your credit story.
Get started with confidence!
Discuss your unique mortgage and protection needs in a personalized session.
Frequently Asked Questions
I'm thinking about a mortgage, what's the first thing I should do?
Before doing anything else you should check your credit file, You can do this by clicking here to sign up for a free trial to CheckmyFile.
Please be aware that by clicking onto the links below you are leaving the Gary Poyntz Mortgage and Protection website. Please note that neither Gary Poyntz Mortgage and Protection Ltd or Connect IFA are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
What areas do you cover in the United Kingdom?
I provide mortgage and protection services throughout the United Kingdom, helping clients from all regions with their financial needs.
How do I know if I qualify for a mortgage with adverse credit?
Qualification depends on various factors including the nature and age of your adverse credit, your income, and your overall financial profile. I assess each case individually to find the best possible solution. If I can't help you there will be no fee.
Do you provide services for self-employed individuals?
Absolutely. I have extensive experience assisting self-employed clients secure mortgages and protection products, understanding the complexities of their income and financial documentation.
What documents will I need to provide as a self-employed applicant?
Typically, self-employed applicants will need to provide tax returns, bank statements, and proof of income. I will guide you through the specific documentation requirements based on your circumstances.
How many lenders do you have access to?
I have access to over 200 potential lenders so in most cases I can help you with your mortgage needs.
How long does the mortgage application process take?
The process can vary but generally takes between 4 to 8 weeks from application to offer, depending on the complexity of the case and lender requirements.
What protection services do you offer?
I offer a variety of protection services including life insurance, critical illness cover, income protection, as well as buildings and contents insurance to safeguard you and your family.
Contact Me
Gary Poyntz Mortgage and Protection Limited is an Appointed Representative of Connect IFA Limited 441505 which is Authorised Regulated by the Financial Conduct Authority and entered on the Financial Services Register(https://register.fca.org.uk/s/) under reference 1041220 The FCA do not regulate some forms of business buy-to-let mortgages and commercial mortgages to Limited Companies.
The information contained within this website is subject tothe UK regulatory regime and is therefore targeted at consumers based in the UK.
Your property may be repossessed if you do not keep up repayments on your mortgage. Not all services we offer are covered by the FCA.
There will be a fee for mortgage advice; the precise amount will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed, but we estimate it to be £599
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.